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Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $43,138 | $71,215-39.4% | $93,696-54.0% | $80,935-46.7% |
| Participation rate | 93.6% | 60.4%+33.2pp | 68.7%+24.9pp | 67.7%+26.0pp |
| Annual return | 12.48% | 11.27%+1.2pp | 133.74%-121.3pp | 35.66%-23.2pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,422-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,549 | $4,037-36.8% | $4,417-42.3% | $4,299-40.7% |
| Admin fee / account holder | $4,392 | $6,958-36.9% | $8,287-47.0% | $6,924-36.6% |